Fee Schedule and Other Account Information

Transcription

1 Fee Schedule and Other Account Information Business Products and Services Account Analysis For Personal and Business Accounts Minnesota May 8, 2017 For use with Account Agreement and Disclosures

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3 Fee Schedule and Other Account Information Business Products and Services; Account Analysis for Personal and Business Accounts Minnesota Please see page 15 for explanation of all footnotes. CHECKING, MONEY MARKET, SAVINGS Business Checking Account (Also applies to Public Funds and Bankruptcy Checking Accounts) Balance Charges and Fees Minimum daily balance $7,500 No monthly Average daily balance 1 $15,000 No monthly If neither balance above is met during statement period Fees listed below assessed monthly regardless of balance First 125 checks or other debits Each check or debit over 125 First 20 deposit tickets Each deposit ticket over 20 First 100 items deposited Each item deposited over 100 $22 monthly $0.40 per item $1.25 per ticket $0.30 per item Cash deposited >$1,000 $0.002 per $1 excess 2 Non-Profit Checking Account Balance Charges and Fees Minimum daily balance $7,500 No monthly Average daily balance 1 $15,000 No monthly If neither balance above is met during statement period Fees listed below assessed monthly regardless of balance First 150 checks or other debits Each check or debit over 150 First 100 items deposited Each item deposited over 100 $17 monthly $0.40 per item $0.12 per item Attorney-Client Trust Account (IOLTA) (Required by Minnesota Supreme Court IOLTA Program) Charges and Fees Monthly Interest earned on this account is remitted to the State Bar. There is no on this account. All other charges on any such account are the responsibility of the attorney establishing the account, and will be charged directly to the IOLTA. The attorney is responsible to deposit sufficient funds to cover such fees. 1

4 Business Interest Checking Account (Available only to sole proprietorships, non-profit organizations, and certain government agencies; also applies to Public Funds and Bankruptcy Interest Checking Accounts) Balance Charges and Fees Minimum daily balance $7,500 No monthly Average daily balance 1 $15,000 No monthly If neither balance above is met $22 monthly during statement period Fees listed below assessed monthly regardless of balance First 125 checks or other debits Each check or debit over 125 $0.40 per item First 20 deposit tickets Each deposit ticket over 20 $1.25 per ticket First 100 items deposited Each item deposited over 100 $0.30 per item Cash deposited >$1,000 $0.002 per $1 excess 2 Business Money Market Account (Also applies to Bankruptcy, Non-Profit, and Public Funds Money Market Accounts) Balance Charges and Fees Minimum daily balance $5,000 No monthly If minimum daily balance not $20 monthly met during statement period See Transaction Limitation for Savings and Money Market Accounts below. The Ladder Business Money Market Account Balance Charges and Fees Required opening deposit $10,000 Minimum daily balance $10,000 No monthly If minimum daily balance not $25 monthly met during statement period See Transaction Limitation for Savings and Money Market Accounts below. Business Savings Account (Also applies to Public Funds and Bankruptcy Savings Accounts) Balance Charges and Fees Average daily balance 1 $1,000 No monthly If average daily balance not $5 monthly met during statement period See Transaction Limitation for Savings and Money Market Accounts below. BUSINESS PACKAGES The Business Builder Elite SM The Elite package requires a Business Elite Checking account as the primary checking account for the Package. 2

5 Package Benefits With the Business Builder Elite Package, the following benefits and options are available: The Business Elite Checking Account and up to three (3) eligible checking, money market, or savings accounts ("Benefit Accounts") with the regular monthly s waived may be included in the Package for the monthly Package fee. The monthly Package fee is waived when the combined balance in the Business Elite Checking Account and the Contributing Accounts (which include the Benefit Accounts) meets or exceeds the minimum balance requirement for the Business Elite Checking Account. See also "Benefit Accounts," "Contributing Accounts," and "Qualification Balance - Combined Accounts" below. The monthly Package fee is waived for the first three (3) months. Discount of up to $75 on the first order of business checks ordered through City National Bank. Check Card for eligible business and personal accounts. City National Business Online for Business Builder Elite. 3 Business Bill Pay with monthly fee waived. Commercial Credit Card with City National Rewards and annual per card fee waived. Business Overdraft Line for the Business Elite Checking Account, no annual fee. Transfer fee applies. Basic Business Builder Line of Credit, no annual fee first year. Business Term Loan, documentation fee waived up to $100. Online Loan Transfers, complimentary service. Merchant Services, $95 application fee rebate provided through Elavon 4. Payroll Service, setup fee waived up to $250 when service is obtained through RABco Payroll Services, Inc. 4 City National E-Deposit SM, electronic deposit service for moderate volume check deposits with a complimentary singlefeed scanner (up to a $400 value) at a monthly fee of $25. 5 Fee free foreign currency exchange service. NOTE: All credit facilities are subject to approval. Annual and monthly fee waivers do not include fees for excess accounts or transactions and other fees may apply. Separate applications may be required for some services. Business Elite Checking Account (Primary Account for the Business Builder Elite Package) Balance Charges and Fees Minimum $50,000 No monthly Qualification Balance Package fee Balance Charges and Fees If minimum Qualification Balance $50 monthly not met during statement period Package fee Fees listed below assessed monthly regardless of balance First 300 checks or other debits Each check or debit over 300 $0.40 per item First 200 items deposited Each item deposited over 200 $0.30 per item Cash deposited >$2,500 $0.002 per $1 excess 2 3

6 Benefit Accounts Each Business Package allows you to designate a specified number of additional accounts as Benefit Accounts. You may designate as Benefit Accounts any of your business or personal non-analyzed checking, savings, and money market accounts. It is your responsibility to tell us which accounts you would like to designate as Benefit Accounts. If you do not designate all your eligible Benefit Accounts, or if a previously designated Benefit Account becomes ineligible or is closed, we may choose an eligible Benefit Account(s) for you from your eligible Contributing Accounts. The regular monthly for each Benefit Account will be waived, as long as the primary account for the Package is open. All other fees, including any excess transaction fees, will apply to each account type as stated in the fee schedule for that account. Contributing Accounts Contributing Accounts are accounts with the same primary ownership as the primary account for the Package, and accounts that have the same primary ownership as any Benefit Account in the Package. Contributing Account types include non-analyzed business or personal checking, savings, and money market accounts. Excluded Accounts Certain account types are not eligible to be Benefit or Contributing Accounts. These ineligible accounts are all accounts on account analysis, Attorney-Client Trust (IOLTA) accounts, Certificates of Deposit, foreign or dual currency deposits, retirement accounts, health savings accounts, accounts owned by minors, bankruptcy accounts, and accounts used for other packages, either as a Contributing Account or a Benefit Account. Qualification Balance - Combined Accounts The Qualification Balance is determined each month, three (3) Business Days prior to the statement date of the primary account which is the Business Elite Checking Account. It is calculated by adding together the prior statement's average daily balance 1 from each primary, benefit and contributing account associated with the Package. The minimum combined Qualification Balance must be met to avoid the monthly Package fee. If the minimum combined Qualification Balance is not met, the monthly Package fee will be charged to the primary account of the Package. All other fees, including any excess transaction fees, will be assessed on each individual account regardless of the balances maintained. See the applicable Fee Schedule for each account. Package Eligibility Requirements In order to maintain a Business Package, the primary checking account for the Package (a Business Elite Checking Account) must remain open throughout the entire statement cycle period. If the primary checking account for the Package is closed during a statement cycle period, or converted to another account type, the Package will close and any remaining accounts or services that are not closed will be subject to the standard fees as disclosed in the applicable Fee Schedule. Applicable Fee Schedules may include: Fee Schedule and Other Account Information, Business Products and Services; Fee Schedule and Other Account Information, Personal Products and Services; Online Banking Fee Schedule; and fee schedules for Treasury Management Services and Business Credit Cards. A copy of the applicable Fee Schedule is provided at the time an account or service is established and may be updated from time to time thereafter on notice to you as may be required by law. If you need another copy of any Fee Schedule, please ask us. We regard an account to be closed when the balance in the 4

7 account is zero and you tell us it is closed; when the balance is at zero or less with no activity other than service charges for 30 days; or if we close the account and send any remaining balance to you. City National Business Online for Business Builder Elite Charges and Fees First 4 accounts Each account over 4 $5 per month First 3 users Each additional user $5 per month First 1,000 transactions total per month Each transaction over 1,000 $0.30 per item Business Bill Pay for Business Builder Elite Charges and Fees Monthly fee First 20 payments per month Each payment over 20 $0.50 per payment TERMS AFFECTING ALL BUSINESS CHECKING, SAVINGS, AND MONEY MARKET ACCOUNTS Order of Posting At the end of each Business Day, we process and post all transactions that we received that day. Each type of transaction is assigned its own category that determines the sequence in which the transaction will be processed and posted. We generally post all deposits and credits to your account before we deduct any payments, fees or other debits. Unless otherwise specified below, we post all payments, fees or other debits within an individual category in ascending dollar amount order and then proceed to process and post all such debits in the next category in the same manner. We generally process and post common debit transactions in the following order: 1) Transfers to another CNB account, including online banking transfers; 2) Overdraft fees, returned item fees, and automatic payments to a CNB loan; 3) Fees for requested services, such as stop payment orders; 4) Wire transfers and any related fees; 5) Preauthorized or scheduled debits to a third party, such as ACH payments and online bill payments; 6) Checks and in-person withdrawals are combined and processed as one category and, within the category, in-person withdrawals and checks without serial numbers are posted in ascending dollar amount order, followed by checks with serial numbers, which are posted in serial number order; 7) ATM and debit card transactions and any related fees; and 8) Monthly account maintenance and activity fees. Please know that the law allows us to process your account transactions by any method and in any order that we consider reasonable. We may change the method or order at any time without notice to you. Assessment of Overdraft/Insufficient Funds Fees Debits for which overdraft/insufficient funds fees can be assessed include any transaction presented for payment against an account (such as checks, ACH transactions, ATM withdrawals, online or mobile payments, returned deposited items, and Check Card and point-of sale transactions) and the fees apply to all debits presented whether they are paid or returned. For consumer accounts, we do not assess an overdraft/insufficient funds fee for an overdraft caused solely by an ATM or debit card transaction. Overdraft fees are not assessed on our fees and charges if the fees and charges create or increase an overdraft. However, a continuous overdraft fee may be 5

8 assessed on any amount overdrawn, regardless of the cause of the overdraft. Required Initial Deposits The required initial deposits stated may vary when accounts are established online and may also be waived or varied at the discretion of CNB. Miscellaneous Assessments An Early Account Closure fee will be assessed to accounts closed within 90 days from opening. A transfer to another CNB location is not a closure. CNB reserves the right to assess a fee to its depositors to pass through some or all of the fees provided by law assessed to CNB by government agencies and government-sponsored entities. The fee may vary and will appear on a statement as "Assessment Fee." Any Federal Reserve Bank large item charge for processing a check of $1 million or more may be assessed. Any Internal Revenue Service charge for failing to provide an account tax identification number may be passed through as a charge to the account or charged to you directly or to any other account of yours with us. TERMS AFFECTING ALL BUSINESS INTEREST-BEARING CHECKING, SAVINGS, AND MONEY MARKET ACCOUNTS Interest on Funds The interest rate and associated Annual Percentage Yield (APY) are established by CNB and may vary as often as daily. APY assumes no withdrawal of credited interest and no change in interest rate for a full year. For all interest-bearing checking and money market accounts, funds from items deposited other than cash or check(s) drawn on CNB begin to accrue interest on the Business Day CNB receives credit for the items (collected funds). Cash and funds from items drawn on CNB begin to accrue interest on the Business Day of deposit. Interest accrues daily and is compounded and credited on the last day of the statement period, but no more frequently than monthly. For all savings accounts, funds from items deposited begin to accrue interest on the Business Day of deposit if deposited before our established cut-off time or, if made later, on the next Business Day. Interest accrues and compounds daily and is credited on the last day of the statement period, but no more frequently than monthly. Your account must remain open through the time interest is credited to receive interest accrued. CNB calculates interest on a 365-day year basis using the daily balance method, by which the daily periodic rate is applied each day to the collected funds balance in the account after all transactions for the day have been posted. As required by law, CNB reserves the right to require a seven- (7)- day written notice prior to the withdrawal or transfer of funds from these accounts. It is unlikely that such a requirement will be imposed. 6

9 All interest-bearing accounts are variable rate accounts unless otherwise specified in writing. At CNB's discretion, we may change the APY and interest rate on your account at any time. The tier structure for all interest-bearing accounts is as follows: Less than $500 $50,000 to < $100,000 $500 to < $1,000 $100,000 to < $250,000 $1,000 to < $2,000 $250,000 to < $500,000 $2,000 to < $2,500 $500,000 to < $1,000,000 $2,500 to < $5,000 $1,000,000 to < $5,000,000 $5,000 to < $10,000 $5,000,000 to < $10,000,000 $10,000 to < $25,000 $10,000,000 to < $50,000,000 $25,000 to < $50,000 $50,000,000 or more Rates and yields for each tier level apply to the entire balance for savings accounts and to the collected funds balances on interestbearing checking and money market accounts. Two (2) or more tiers may be offered at the same rate. In this case, the Interest Rates Bulletin may show those multiple tiers as a single tier. Tier rates may vary and may be higher or lower than a preceding tier. We may change tiers at any time without notice. Rates and yields are available in the current applicable CNB Interest Rates Bulletin. TRANSACTION LIMITATION FOR SAVINGS AND MONEY MARKET ACCOUNTS Federal regulations limit the total number of the following types of withdrawals or transfers from a savings or money market account to six (6) per monthly statement period: Check Overdraft protection transfer Debit card or ATM card purchase or payment Preauthorized transfer to another payee or institution, including ACH or wire transfer Online banking payment or transfer Mobile banking payment or transfer Automatic transfer to another City National Bank deposit account Telephone transfer There is no limit to the number of the following types of transactions: In-person transaction Transaction made at an ATM Automatic transfer to make a City National Bank loan payment Deposit of any kind into the account We may charge an Excessive Transactions fee if you exceed the permissible number of transactions. If your account activity exceeds these limitations, we may close the account or convert it to another type of account. We count a transaction for this purpose as of the date we post it to your account, not as of the date you initiate it. CERTIFICATES OF DEPOSIT Required Opening Deposit, Interest Rates, and Yields Refer to the Interest Rates Bulletin for the Certificate of Deposit account about which you have inquired or your deposit receipt. APY assumes interest remains on deposit for the term of the certificate. Interest Payment CNB calculates interest on a 365-day year basis (360-day basis for Public Fund Certificates), using the daily balance method by which 7

10 the daily periodic rate is applied each day to the principal in the account. Interest begins to accrue on funds deposited on the Business Day of deposit, when made prior to our established cut-off time. Certificate of Deposit accounts earn a simple rate of interest compounded only if and when interest is posted to the account. You may choose to have your interest posted monthly, quarterly, semiannually, or annually. For accounts with a term of less than one (1) year, you may also choose to have interest posted at maturity, in which case interest will not be compounded. The interest rate quoted on your deposit receipt will remain in effect until the maturity of the account, unless otherwise specified in writing. Interest may be withdrawn without penalty at any time prior to maturity after it is credited to the account. Any withdrawal will reduce earnings. At maturity, interest becomes principal. Renewals A Single Maturity account does not automatically renew. Interest is not earned after maturity. An Automatic Renewal account renews on its maturity date for the same period as originally selected unless CNB notifies you of a different term. If the certificate has a term of greater than one month, CNB will notify you in advance of the renewal and will tell you when the rate will be known. The interest rate at renewal will be determined by CNB on or before the renewal date. For certificates with a term of 32 days or more, you will have a 10- day grace period after the maturity date to advise us if you do not want the account to automatically renew or to withdraw funds without penalty. For certificates with a term of less than 32 days, the grace period will be one (1) Business Day, not to exceed four (4) calendar days. No interest is paid on funds withdrawn during the grace period. A withdrawal may affect your interest rate or maturity date. If the account is not automatically renewed, the funds on deposit will not earn interest after maturity. Transaction Limitations No deposits to or withdrawals of principal may be made prior to maturity unless otherwise specified in writing. Interest credited to the account before maturity may be withdrawn without penalty. Interest becomes principal at maturity. Penalty for Early Withdrawal If a withdrawal of principal is permitted, the following penalties may apply: For Certificates issued for seven (7) to 31 days, the penalty is the greater of: (a) seven (7) days' interest, (b) all interest earned since the most recent issue or renewal date, or (c) all interest which could have been earned during one-half of the maturity period. For Certificates issued for 32 to 179 days, the penalty is 30 days' interest. For Certificates issued for 180 days to one (1) year, the penalty is 90 days' interest. For Certificates issued for over one (1) year, the penalty is 180 days' interest. For all Certificates of Deposit accounts, each penalty is calculated on the amount withdrawn. A penalty may be waived for certain reasons permitted by law, such as the death or legal incompetence of any owner. 8

11 Deposits in IRA or other tax-qualified plans are subject to plan disclosures and the plan withdrawal penalty stated in the disclosure when applicable. For funds held in the plan as a Certificate of Deposit, a penalty for early withdrawal as described above also will apply. ACCOUNT ANALYSIS The following fees are assessed to an account that has been set up as an analyzed business or personal account. Charges and Fees Account Maintenance Fees Accounts 1-10 $21 per acct per month Accounts $19 per acct per month Accounts $15 per acct per month Accounts 151+ $13 per acct per month Other Services ACH credits-incoming $0.50 per item ACH debits-incoming $0.20 per item Checks deposited $0.12 per item Checks paid $0.20 per item Coin deposited $ per $1 Coin furnished $0.13 per roll Currency deposited $ per $1 Currency furnished $ per $1 Deposits $1.25 each SERVICE FEES - Analyzed & Non-Analyzed Accounts At our discretion, the following charges may be assessed directly to your account, or assessed through the Account Analysis System to be covered by your account balances if your account has been set up as an analyzed business or personal account. Account Research/ $35 per hour, Reconcilement Fee 1 hour minimum Automated Clearing House Services (ACH) - Positive Pay Block Debit Authorization - $50 per Manual account/per month Filter Debit Authorization - $50 per Manual account/per month ATM/Check Card Transactions conducted at a CNB ATM Non-CNB ATM withdrawal $2.50 per withdrawal Card or PIN replacement Mail delivery Express delivery $55 International Transaction Fee 3.0% of transaction amount Book2Bank No Accounting Software Setup Fee $50 per setup Maintenance Fee $25 per month First 5 ACH Transactions per month Each ACH Transaction over 5 $0.25 each 9

12 Charges and Fees First 5 Check Transactions per month Each Check Transaction over 5 $1 each QuickBooks/QuickBooks Online Setup Fee Maintenance Fee 10 $100 per setup $50 per month First 5 ACH Transactions per month Each ACH Transaction over 5 $0.25 each First 5 Check Transactions per month Each Check Transaction over 5 $1 each Bond Collection Fee $30 Branch Deposit Surcharge Coin bag - loose Coin bag - rolled Business Overdraft Line Transfer Fee Cashier's Checks $10 Checks purchased by non-clients $15 (Only with an item drawn on CNB) CityTax SM Setup fee 6 Service maintenance Payments Online Touch-tone Reversals (Bank-assisted) $20 Receipts Via mail Via facsimile Reports Monthly recap report Quarterly recap report $5 per bag $7.50 per bag $10 per transfer $20 per setup $10 per access code per month $2 per transaction $4 per transaction $3 per receipt $3 per receipt $10 per report $12 per report Coin Deposited Exceeding $100 $0.005 per $1 (Non-analyzed accounts only) Collections Domestic incoming/outgoing $25 International incoming/outgoing $100 International courier $70 minimum Outgoing international collections will be assessed both the collection fee and the international courier fee. Fees imposed by the paying bank may also be assessed. Checks in an amount less than $250 [U.S. Dollar (USD) equivalent] will not be accepted for international collection. Counter Check $1 per check Coupon Collection Fee $25 per envelope Deposit Account Control Agreement Setup fee Legal review Monthly maintenance $500 minimum per setup $300 per hour, 1 hour minimum $100 per account

13 Charges and Fees Deposit Corrections $3.50 Deposit Courier/Armored Cost +15% Carrier Service Deposited Checks Returned Item Advice Special handling instructions $5 per account per month Fax notification $6 each Telephone notification $12 each Photocopy of check $5 each Deposited Checks Returned Unpaid Per check charged back $12 Per check re-cleared automatically $3 If re-cleared check is again returned unpaid $12 Early Account Closure $20 Charge for accounts closed within 90 days after opening Escheat/Abandoned Account $2 Notice (as permitted by law) Excessive Transactions Fee $15 per transaction See Transaction Limitation for Savings and Money Market Accounts above Foreign Bank Draft $55 Courier Delivery Local messenger (same day) $35 minimum U.S. overnight courier $35 International courier $70 minimum Foreign Check Deposited International outgoing collection $100 See Collections above Expedited Processing Check Amount Fees [U.S. Dollar (USD) Equivalent] $0 - $1,000 $25 $1,001 - $25,000 $45 $25,001 - $100,000 $75 > $100,000 $100 Expedited processing available for limited currencies only. This fee is in USD dollars and is assessed against your designated USD deposit account unless otherwise instructed. Foreign Currency Service Non-Client Processing Fee $15 per occurrence Foreign Currency Denominated Deposit Account (non-interest bearing) Monthly Maintenance Fee $50 per account This fee is in USD and is assessed against your designated USD deposit account unless otherwise instructed. Legal Process Fee $125 (attachments, levies, garnishment, subpoenas, etc.) Legal Review of Documents 11 $300 per hour or cost, if higher 1 hour minimum

14 Charges and Fees Multiple Signature Requirement $7 per month per account Multiple signature requirements apply only to checks (excluding checks that are converted to an electronic item) and withdrawals or transfers made in person. Fee does not apply to IOLTA or Non- Profit accounts. Night Depository Annual Fee $40 Night deposit bags (disposable) $55 per box of 200 Overdraft and Insufficient Funds (NSF) Fees - Non-Analyzed Accounts Paid or returned debits $37 per debit Maximum daily NSF/OD fees $370 per day Continuous Overdraft Fee Assessed each Business Day after $5 per Business Day the 4 th calendar day that an overdraft is not repaid Charged for any amount overdrawn; not charged for the day of repayment Accounts Overdrawn At the discretion of 60 days or more CNB, the higher of $5 per Business Day or CNB's prime rate* plus 4% on 365-day year, 10% per annum minimum *The rate established by CNB from time to time and published as its "prime rate." Overdraft, Uncollected, and Insufficient Funds (NSF) Fees - Analyzed Accounts Overdraft and Insufficient Funds (NSF) Paid or returned debits $37 per debit No maximum For personal (consumer) accounts, the maximum daily NSF/OD fee is $185 per day. If, after all items have been posted at the end of the day, the account is overdrawn by less than $5, we will not assess the applicable NSF/OD fee. Interest on Overdrafts and CNB's prime rate Uncollected Funds plus 4% on (accrues daily) day year, 10% per annum minimum Photocopy Fee for Canceled Checks $5 per copy [Clients may receive two (2) check photocopies that include front and back of check at no charge, per monthly statement cycle] QuickBooks Direct Connect Basic Service (Account activity $9.95 per month and transfers) First 10 accounts Each account over 10 $2 account Basic Service with Bill Payment $19.95 per month First 10 accounts Each account over 10 $2 account First 20 payments Each additional payment $0.50 per payment 12

15 Research Fee (includes check reclamation, crime reports, legal records, and other requests) Signature Guarantee - Standard Signature Guarantee - Medallion Special Handling For posted or non-posted items without Positive Pay First 30 days After 30 days After 60 days 13 Charges and Fees $35 per hour, 1 hour minimum $1 per page $10 per signature $15 per signature $2 per item reviewed $2 per item reviewed, plus $75 per month or portion thereof Statements Paper Statement without Check Images Business or Consumer Accounts Paper Statement with Check Images Fee is charged even if minimum or average balance requirements are met. Image fees are not applicable to Money Market, IOLTA, Bankruptcy, or Non-Profit accounts. Check Images are not available for Savings Accounts. Standard check images (18 images per page, front image only) Personal (consumer) Accounts $2 per month Business Accounts Large check image (12 images per page, front image only) 50 check images or fewer $2 per month check images $2.50 per month 250 or more check images $5 per month Enhanced check image (12 images per page, front and back images) 50 check images or fewer $3 per month check images $5 per month 250 or more check images $10 per month Other Statement Options Duplicate (past cycles) Duplicate (recurring) Instant statement Interim statement cut-off Multiple statements per month Undeliverable statement Stop Payments 6-month term $30 Renewal, 6-month term $30 Post-dating hold fee $30 2-year term $40 Renewal, 2-year term $40 Range stop, 6-month term $40 Range stop renewal, 6-month term $40 No term specified Setup $50 Annual fee $20 Foreign bank draft, 6-month term $55 $6 per statement $4 per statement $4 per statement $5 per statement $5 per month $2.50 per month

16 Charges and Fees Accepted stop payment request - $20 Cashier's check Verification of Deposit $20 (Including written balance confirmations and credit ratings) Wire Transfers Domestic Incoming Analyzed Accounts $13 Non-Analyzed Accounts $15 Domestic Outgoing Internet-initiated Repetitive/Non-Repetitive $11 Internal Wire (Book Transfer) $5 Non-internet Initiated Drawdown/Reverse $15 Non-repetitive $35 Repetitive $25 International Incoming Analyzed Accounts $14 Non-Analyzed Accounts $15 International Outgoing Internet-initiated (Foreign Currency or USD) $20 Non-internet Initiated Non-repetitive - Foreign Currency $50 Non-repetitive - USD $55 Repetitive - Foreign Currency $40 Repetitive - USD $45 Wire Principal Protection Service $25 Available for limited currencies only Wire Investigation Domestic Wire $30 International Wire $40 Includes amendments, recalls and tracers. Additional charges may apply due to charges incurred by CNB when conducting the investigation. Wire Notification Mail $4 Fax $6 Telephone $12 ADDITIONAL INFORMATION Other fees may apply depending on the services used. Check with your CNB Relationship Manager for more information. At CNB, every day is a Business Day except Saturdays, Sundays, and bank legal holidays, even if we are open. We may establish cut-off times during each Business Day after which transactions presented are considered presented the next Business Day. As used in this Schedule, the term "CNB" includes "we," "us" and "our," and "you" and "your" means you, our client. QuickBooks is a registered trademark of Intuit, Inc. 14

17 1 Average daily balance determined by adding each day's closing ledger balance during the statement period and dividing by the number of days in that period. 2 A Cash Deposited Fee is assessed monthly on the total of all cash (currency and coin) deposited to this account in excess of the amount specified. This is in addition to any fee assessed for excess or bagged coin. 3 City National Treasury Net will be used for Business Builder Elite when Wire Transfer or ACH Services are needed. 4 Elavon is City National's exclusive provider of Merchant Services. Services provided by Elavon are subject to a separate agreement and terms provided at the time of application approval. Application fee rebate requires activation of services within 90 days of application. RABco Payroll Services, Inc. is a provider of payroll processing and employee payroll tax filing services for City National clients. Payroll services provided by RABco Payroll Services, Inc. are subject to a separate agreement and terms provided at the time of setup. Elavon and RABco Payroll Services, Inc. are separate companies and are not affiliated with City National Bank. 5 City National E-Deposit moderate volume means generally no more than 15 electronic check deposits per week with no more than 10 checks per deposit. The monthly fee and one complimentary singlefeed scanner are subject to a two- (2)-year minimum service term and month to month thereafter. Should the service be cancelled for any reason by you or us prior to the end of the two- (2)-year term, a $400 cancellation fee may be charged. 6 Fee also applies to any setup changes (e.g., service additions or deletions). 7 The rate at which interest is charged, established by CNB from time to time and published as its "prime rate," will be updated within five (5) Business Days of the date that CNB's published prime rate changes. 15

18 Effective May 8, 2017 CNB Member FDIC (504) Member Federal Reserve System ID (05/2017)